If you are not a big consumer of medical services... I'd say an HSA is even more in tune with your needs. It means you have a catastrophic health care plan only. I.e., if you need heart surgery or cancer treatment or get hit by a bus... you're covered. If you need to go to a dermatologist to get a dohickey off, you pay out of pocket.
If you're using healthcare purchased under ACA, an HSA becomes even more awesome. You get to put a big chunk of money into an investment account once a year. ($6750 this year for a married couple). That money comes directly off the top, reducing your adjusted gross income. It might be enough to move you from one level of subsidy to the next.
Another cool side effect: You don't have to reimburse yourself.... or can delay it indefinitely. In other words, if you break a leg and it costs you $5000, you might pay that out of pocket, keep/file the receipt and just go on your merry way. A few years later, when you need $5000 for living expenses, you can withdraw it and use it tax free. But in the interim, that $5000 has presumably grown. Win-win.
